Compare 2003 Mercury Sable Insurance Quotes

Consumers have many options when looking for the best price on Mercury Sable insurance. They can either waste time driving around trying to get quotes or utilize the internet to compare rates. There are more efficient ways to find auto insurance online so you’re going to learn the absolute fastest way to quote coverages on a Mercury and obtain the best price possible from both online companies and local agents.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to reduce your rates substantially using these tips. Drivers only need to know the most efficient way to compare price quotes online.

Low cost auto insurance prices

There are a variety of methods you can shop for auto insurance but there is one way that is less labor-intensive and much quicker. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.

Most of the best insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and at least one company can give them a price for coverage. This prevents consumers from doing quote forms to each individual auto insurance company.

To get comparison pricing now click here to start a free quote.

One minor caviat to pricing coverage this way is that consumers can’t choose the companies to get quotes from. If you wish to select specific insurance companies to compare prices, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare nearly identical coverages for each comparison quote. If you enter higher or lower deductibles it’s impossible to make a fair rate comparison.

Save a ton with these discounts

Auto insurance companies don’t always advertise all disounts in an easy-to-find place, so the list below gives a summary of some of the more common as well as the least known discounts you could be receiving when you buy insurance coverage online.

  • Driver’s Education for Students – Have your child take driver’s ed class in school or through a local driver safety program.
  • Homeowners Pay Less – Just being a homeowner may trigger a policy discount on insurance because maintaining a house requires personal responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Good Driver Discounts – Drivers who don’t get into accidents could pay up to 40% less on Sable insurance than drivers with accident claims.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and don’t have a car may be able to be covered for less.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Geico and Allstate will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
  • Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates when compared to drivers who are more careless.
  • Discount for Multiple Policies – If you combine your home and auto policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.

Just know that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous.

A few popular companies and some of the premium reductions they offer are detailed below.

  • State Farm has savings for anti-theft, accident-free, good student, Drive Safe & Save, and passive restraint.
  • American Family offers discounts for multi-vehicle, defensive driver, early bird, TimeAway discount, and air bags.
  • Geico has discounts for federal employee, seat belt use, air bags, anti-theft, and good student.
  • 21st Century offers premium reductions for early bird, good student, student driver, anti-lock brakes, homeowners, and 55 and older.
  • Progressive may offer discounts for multi-policy, continuous coverage, good student, multi-vehicle, online signing, and homeowner.

Double check with every company the best way to save money. All car insurance discounts might not be offered on policies in every state. If you would like to view insurance companies with significant discounts, click this link.

Insurance can be complex

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out if you would benefit from professional advice.

  • How does medical payments coverage work?
  • Does my policy cover me when driving someone else’s vehicle?
  • Are my friends covered when driving my car?
  • Should I have combined single limit or split liability limits?
  • Is rental equipment covered for theft or damage?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Lower your insurance prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that could help you find better auto insurance rates. Lots of things are part of the equation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but others are less obvious such as whether you are married or how safe your car is.

The list below includes some of the factors auto insurance companies consider when setting your rates.

  • Don’t cut corners with liability protection – Liability insurance will protect you if you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides for a legal defense which can cost a lot. It is affordable coverage when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • More traffic equals higher rates – Residing in a rural area can save you money when shopping for auto insurance. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have more road rage incidents and longer commute times. Higher commute times means more chance of being in an accident.
  • Incidental coverages may be wasting money – Policies have extra bells and whistles you can purchase when buying auto insurance. Things like roadside assistance, high-cost glass coverage, and extra life insurance coverage are examples of these. These coverages may sound good when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • No auto insurance gaps is important – Having a gap between insurance policy dates can be a quick way to drive up your policy premiums. Not only will you pay higher rates, getting caught without coverage could result in a fine, jail time, or a revoked license.
  • Your gender affects premiums – Over time, data shows that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Men and women cause accidents in similar numbers, but the male of the species tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI). Teenage male drivers cause the most accidents and therefore pay the highest rates.
  • Alarm systems save money – Choosing a vehicle with an alarm system can save you some money. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

But they said I’d save $420 a year!

Drivers get pounded daily by advertisements that promise big savings from companies such as State Farm, Allstate and Geico. They all say the same thing that people will save after switching your policy.

It sounds good, but how can they all charge lower premium rates? It’s all in the words they use.

Insurance providers quote their cheapest rates for the type of driver that is profitable for them. A good example of a preferred risk might be described as between the ages of 30 and 45, has a clear driving record, and drives a lower-performance vehicle. A customer getting a price quote that fits those parameters will get a cheap rate quote and therefore will save when they switch companies.

Consumers who fall outside these criteria may be required to pay higher premium rates and this can result in the customer not buying. If you pay close attention to the ads, they say “customers who switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can confidently state the savings. This really emphasizes why you really should get insurance coverage quotes as often as possible. It is impossible to guess which car insurance company will fit you best based on your risk profile.

Auto insurance 101

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Sable.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, rock chips in glass, damage from a tornado or hurricane, falling objects and damage from getting keyed. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This coverage covers damage to your Sable from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability car insurance

This will cover damages or injuries you inflict on a person or their property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like loss of income, repair costs for stationary objects, emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for things like dental work, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

More effort can pay off

When buying insurance coverage, do not reduce coverage to reduce premium. There have been many cases where someone sacrificed liability limits or collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best possible price while not skimping on critical coverages.

Cost effective 2003 Mercury Sable insurance can be found both online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best rate selection. Some insurance providers may not have online price quotes and these regional carriers prefer to sell through independent insurance agencies.

Insureds change insurance companies for a number of reasons such as poor customer service, not issuing a premium refund, policy non-renewal and even delays in responding to claim requests. Regardless of your reason, finding a new company is easier than you think.

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